founder and managing partner of harrington capital management, good to see you kyle. how would you define a consumer decked health plan? >> it puts a little more power in the consumer. the employee has the ain't to select one of these -- has theability to select one of these plans in which their deductible will be higher and the premiums lower. for example, for someone like myself fortunate enough to have their health and is proactive about protecting and preserving their health, you can have a lower premium with a higher deductible because i don't have a lo lot of visits to the doctor therefore, i keep premiums lower. if something catastrophic happens, my deductible will be higher but i'm betting i can preserve and protect my monies better. >> rick: lower out-of-pocket expenses with lower premiums, as long as you are healthy. >> as long as you are healthy. premiums are lower but the deductible can be $3,000 to $6,000 before you have the insurance company participate in their end of the bargain. now, if you have good health, it makes sense. it is -- it basically pits